Small Businesses

A membership with Prestige Medical Care paired with a high deductible, low premium insurance policy can save a small business money while providing exceptional care for their employees. It provides your employees with direct access to their physician 24 hours a day, seven days a week, providing 80% of what they actually see the doctor for, including wellness checks, annual exams (including women’s yearly wellness), acute illness and injury, common labs , x-rays, follow up visits, and maintenance of chronic diseases and medications. We can even visit your employees at your place of employment for acute care situations! The cost for this comprehensive coverage is affordably priced at $70/month for an adult and $30/month for children.

Examples of how Prestige Medical Care works without and with insurance coverage:

Example A: Subscription to Prestige Medical Care only. It is up to the patient/employee in how they want to cover unexpected medical costs and hospital stays, meaning the money saved would go back to the patient/employee.

Example B: Subscription to Prestige Medical Care + FSA provided by the employer. Prestige Medical Care is able to care for many medical needs and acute care. The FSA would cover any out of pocket expenses not covered by Prestige Medical Care, including services for fee, surgeries, extensive testing, and hospital stays.

Example C: Subscription to Prestige Medical Care + High Deductible Health Plan. Prestige Medical Care is able to care for many medical needs and acute care. The tail coverage provided by the employer or the employee would be billed for medical services not covered by Prestige Medical Care.

A Single Employee with Major Medical Coverage vs High Deductible Health Plan + Prestige Membership

BCBS Sliver Plan

$531.62 monthly premium + $1,400 deductible

Yearly Premium Expense

$6,379.44

High Deductible Health Plan + Prestige Membership

$86.98 monthly premium + $70 monthly membership

Yearly Premium Expense + Monthly Membership

$1,883.76

A 40 year old male, non-smoker making $60,000/year can purchase independently with no qualifying event a High Deductible Health Plan from Companion Life provided by Pivot Health for $86.98 a month with a $10,000 deductible and 20% coinsurance after the deductible is met. A person with this plan will be paying cash the whole year and never meet their deductible unless they have a hospitalization or surgery.Knowing this will prevent this 40 year old male from seeing the doctor as much as he should for preventative care as well as treatment for acute illness.

A quick comparison with a median health insurance plan from BCBS of Oklahoma reveals the potential savings for this 40 year old employee. He can independently purchase BCBS of Oklahoma’s Silver 204 plan with a $1,400 deductible, 40% paid after deductible is met while paying a monthly premium of $531.62. This seems like pretty good coverage until this 40 year old male looks closer at the numbers.

A membership with Prestige medical Care for this same 40 year old male is $70 a month, a yearly totally expense of $840.With his HDHP and a concierge medicine membership with Prestige, this 40 year old male will pay around $150 a month for comprehensive primary care and catastrophic medical coverage. Compared to the more comprehensive plan paying over $500 a month and meeting a $1,400 deductible, he will only pay $1800 total for the year to have comprehensive coverage with a membership with Prestige and his HDHP, a savings difference of over $350 a month and $4,200 a year.

There are no copays, no deductibles to meet, and no out of pocket maximum to achieve before seeing the benefit of his membership to Prestige.He can call to be seen any time for any reason, having labs and X-rays covered by his membership, ensuring he is getting the proper preventative care as well as acute care.He truly only needs his coverage with Companion Life for a catastrophic event.This saves him money from purchasing a more expensive comprehensive plan while still getting the same or better coverage and care.If he had a group plan that had benefits covering catastrophic events paired with a membership to Prestige Medical Care, it would save him and his employer money while ensuring comprehensive primary care.

A Family of Four with Major Medical Coverage vs High Deductible Health Plan + Prestige Membership

BCBS Sliver Plan

$1,676.38 monthly premium with a $4,200 family deductible

Yearly Premium Expense:

$20,116.56

High Deductible Health Plan + Prestige Family Membership

$220.71 monthly premium + $200 monthly membership

Yearly Premium Expense + Membership

$ 5,048.52

A family of four, non-smokers, with a household income of $100,000/year can purchase independently with no qualifying event a High Deductible Health Plan from Companion Life provided by Pivot Health for $220.71 a month with a $10,000 deductible per a family member ($30,000 family deductible) and 20% coinsurance after the deductible is met, with $500,000 pay out per a family member.

A family of four with this type of coverage is only looking to satisfy tax laws and ensure they have some type of coverage in case the worst happens. They will either pay out of pocket all year for all standard clinical and urgent care never meeting the deductible or never actually go to the doctor because they cannot afford to pay the out of pocket costs for clinical and urgent care.

To compare with median health insurance plan, this family of four can independently purchase the same BCBS of Oklahoma Silver 204 plan for $1,676.38 a month premium, a deductible of $1,400 a person and $4,200 for the family, 40% co-insurance once the deductible is met. These numbers are a costly monthly expense for mediocre health insurance.

A membership with Prestige medical Care for this same family of four is $200 a month, a yearly totally expense of $2,400.With their High Deductible Health Plan and a concierge medicine membership with Prestige, this family of four will pay around $440 a month for comprehensive primary care and catastrophic medical coverage. Unlike with their mediocre health insurance Silver plan where the family will pay over $1,600 a month in premiums and meeting a $4,200 deductible for the family before seeing any benefit from their investment. A membership with Prestige paired with a High Deductible Health Plan instead of a BCBS medial plan saves the family over $1,160 a month and $13,920 a year.

There are no copays, no deductibles to meet, and no out of pocket maximum to achieve before seeing the benefit of their membership to Prestige. They can call to be seen any time for any reason, having labs and X-rays covered by their membership, ensuring they are getting the proper preventative care as well as acute care. They truly only need their High Deductible Health Plan coverage with Companion Life for a catastrophic event.This saves the family money from purchasing a more expensive comprehensive plan while still getting the same or better coverage and care.If they had a group plan that had benefits covering catastrophic events paired with a membership to Prestige Medical Care, it would save them and the insured’s employer money while guaranteeing comprehensive primary care.